2. Documents
  3. General Terms and Conditions

General Terms and Conditions - Valid from 14. 03. 2026

  1. The company stockX a.s., ID No.: 07781156, with its registered office at Čs. armády 371/11, Bubeneč, 160 00 Praha 6 (hereinafter referred to as the “Administrator”), is the author and technological administrator of the internet portal XDIGR (hereinafter referred to as the “Portal”), which enables customers (hereinafter referred to as the “Customer”) to participate in predefined speculative market scenarios (“Slots”) linked to the development of reference prices of selected assets.
  2. The operator of the Portal is XDIGR.cz s.r.o., ID No.: 17639158, with its registered office at Lublaňská 267/12, 102 00 Praha 2 (hereinafter referred to as the “Operator”).
    The Operator maintains an internal record of funds for Customers within a user wallet (“Wallet”), which serves exclusively for participation in Slots. The Wallet is not a payment account nor any other regulated account within the meaning of payment services legislation.
  3. These Terms and Conditions (hereinafter referred to as the “T&C”), the Electronic Wallet Terms of Use, and the Complaints Policy together constitute the framework contractual relationship between the Operator and the Customer (hereinafter referred to as the “Framework Agreement”) and set out the rules for using the Portal.
  4. The Administrator provides the Operator with technological and administrative support for Slots (in particular parameter settings, monitoring, and evaluation). The Administrator is not an investment services provider in relation to the Customer and does not act as a broker or securities dealer.
  5. The Customer acknowledges that Slots are not trading instructions and that neither the Operator nor the Administrator provides investment advice. Slots are based on reference market data and have predefined and publicly disclosed conditions.
  6. By completing registration on the XDIGR Portal, the Customer submits a binding offer to enter into the Framework Agreement with the Operator. During registration, the Customer is obliged to provide the Operator with the necessary information, namely first name, last name, date of birth, and residence address (for a natural person), or company name, registration number, and registered office (for a legal entity), including information on the natural person acting on behalf of the legal entity.
    The Customer is required to provide a scan of an identity document (identity card or passport and a driving licence). The Customer must also provide confirmation of the existence of a bank account with any bank authorized to operate within the EU, either by making a verification payment, submitting a bank statement, or providing a confirmation of account maintenance.
    Furthermore, the Customer must provide a mobile phone number and an email address through which certain transactions may be verified and through which the Operator may communicate with the Customer. By registering, the Customer accepts these T&C, the Electronic Wallet Terms of Use, and the Complaints Policy. The Customer chooses their own login credentials during registration.
  7. The Customer declares that all information provided during registration is true, complete, and accurate, and that no material information relevant to the proper performance of the agreement is concealed. The Customer confirms that neither they nor members of their statutory bodies (in the case of a legal entity) are politically exposed persons or persons subject to international sanctions, and that the funds used do not originate from criminal activity.
    If any of these circumstances change during the term of the agreement, the Customer must immediately notify the Operator. If the Customer provides false information or fails to notify changes, the Operator is entitled to block access to the Portal and withdraw from the agreement.
  8. The Operator shall review the submitted offer for compliance with applicable legal regulations and, if approved, shall confirm acceptance electronically. The agreement becomes effective upon delivery of such confirmation to the Customer. The Operator is not obliged to accept the Customer’s offer.
  9. The Operator offers individual Slots on the Portal. Each Slot is specified by, in particular: the reference asset, scenario direction, duration, start date, evaluation conditions, risk index, any applicable fee, and whether participation is allowed after launch.
  10. The Operator bears full responsibility for offering trading opportunities (Slots) on the Portal and for all activities related to transactions carried out for the Operator by the Administrator. The Operator is responsible for ensuring that all Slots are properly described, compliant with applicable laws, and transparently communicated, including:
    1. the offer of trading opportunities involving stocks, cryptocurrencies, and other commodities across various markets and platforms;
    2. complete and accurate information for each Slot, including trade description, asset, platform, duration, potential return, risk index, management fee, total required amount, and conditions for participation after launch.
  11. The Operator administers payments and payouts related to Slots and records funds in the Wallet. The Customer acknowledges that Slot outcomes depend on market developments and are not guaranteed. All transactions must be conducted securely, transparently, and in compliance with legal regulations.
  12. The Operator is responsible for the accuracy and completeness of settlements unless an event excluding liability occurs (e.g. third-party infrastructure failure, government intervention, cyberattack).
  13. The Operator shall transparently inform Customers of all Slot conditions and provide access to relevant transaction information. Any changes affecting Slots must be communicated promptly.
  14. Material changes affecting participation in Slots shall be communicated via the Portal or email.
  15. The Operator provides customer support and handles complaints in accordance with applicable laws and the Portal’s terms.
  16. The Customer selects a Slot, specifies the amount to be invested (minimum CZK 100), and confirms the selection. The Operator generates a payment order payable to the Operator’s account.
  17. Unless stated otherwise, payment is due within 3 days. If unpaid within 14 days, the transaction may be cancelled.
  18. Each Slot is settled upon completion. Results are credited to the Customer’s Wallet unless otherwise agreed.

    Withdrawals
    1. The Customer may request withdrawal of available funds to a verified bank account.
    2. The standard withdrawal limit is CZK 500,000 per calendar week.
    3. Exceeding the limit triggers Enhanced Due Diligence (EDD) under Act No. 253/2008 Coll.
    4. Behavioural AML monitoring may apply.
    5. Transfers are made after settlement and AML compliance.
    6. Withdrawals may be temporarily suspended pending verification.
  19. If a Slot is likely to incur a high loss, the Administrator may decide on early termination.
  20. Client accounts are non-transferable. Funds cannot be withdrawn during an active Slot.
  21. Communication is conducted via email; amendments and termination must be in writing.
  22. Documents stored in the client account are deemed delivered on the 5th day after upload.
  23. No profit or return is guaranteed. Loss of the entire invested amount is possible. Liability is excluded except in cases of intent or gross negligence, subject to consumer protection law.
  24. Misuse of access credentials is prohibited and may result in account suspension and contract termination.
  25. All information exchanged is confidential and remains so after termination.
  26. Personal data processing is carried out in accordance with GDPR Article 6(1)(b) and (c). Details are published at www.xdigr.cz/gdpr.
  27. The Operator fulfills AML obligations under Act No. 253/2008 Coll., including identification and monitoring.
  28. The Customer must promptly notify any changes to identification details.
  29. Specified provisions of the Civil Code are excluded where legally permissible, particularly in B2B relationships.
  30. The agreement may be terminated by:
    1. mutual written agreement;
    2. termination without cause with one-month notice;
    3. withdrawal as provided by law or these T&C.
  31. Czech law applies. Disputes shall be resolved by the competent Czech court. Consumers may contact the Financial Arbitrator.
  32. The Operator may unilaterally amend these T&C. The Customer may reject changes and terminate the agreement.
  33. These Terms and Conditions are effective as of 14 March 2026.